With life expectancies greater than ever, retirement could very likely be the longest phase of our client's lives. Therefore, it is absolutely imperative for retirees to have a plan in place that;
• Provides the ability to spend and enjoy their money in retirement and
• Protects them from "living too long" and outliving their income.
Since retirement income planning is an extremely important and complicated process, this is something retirees should not attempt to do on their own. In … [Read more...]

Many people are exhausted after tax season. They've been busy tracking down receipts, filing paperwork and meeting deadlines. Many just want a break from numbers for a while.
But it’s an agent's job to steer these weary taxpayers in the right direction. Make the aftermath of Tax Day (April 17) an opportunity to help your customers prepare for Uncle Sam's inevitable visit next year.
The best way to do that is by touting the tax benefits of annuities and other similar insurance and … [Read more...]

Our office is 10 minutes from Google, Facebook, and LinkedIn, but you don’t have to live in Silicon Valley to take advantage of technology that can lower your overhead, increase your productivity, and help you to meet compliance requirements. The following five solutions have made a significant impact on our practice’s operations, and stand to help producers on a budget. I encourage you to do your own research but we have included what and who we use as a starting place. If you have additional … [Read more...]

Succession planning should be at the top of any financial advisors to do list for many reasons – to prepare the practice for a career change, plan around health issues that may arise, or plan for their own retirement. As a financial advisor at a firm with none of its original advisors, I’ve witnessed good succession planning come to fruition several times. However, succession planning is still something that is ignored for too long or handled incorrectly by many people within our … [Read more...]

Despite what you have heard, the implementation of the Department of Labor fiduciary rule will bring huge changes to the way annuity producers sell annuities and even approach the topic with clients. Although a part of the rule called BIC (or best-interest contract) has been delayed until January 2018, the burden has now been placed on you the producer to comply with other parts of the rule.
By now, you probably know that opposition to the rule is widespread. A recent “Time” magazine article … [Read more...]

If you are interested to join the ranks of top financial and life insurance professionals in the Million Dollar Round Table (MDRT), a strategic approach is absolutely essential. MDRT qualification requires a certain production-level to be met in addition to its strict standards for ethical practices. Luckily, the parameters for production qualification are laid out quite clearly by MDRT, with annual production levels broken down by month. Use their guidelines as a starting point to set goals and … [Read more...]

With interest rates on CDs and annuities at record lows, with no end in sight, wouldn’t it be great to offer clients an alternative with much higher returns.
What if that alternative could nearly double their returns with no risk and put an extra $54K in your pocket annually?
During this 30-minute webcast, we’ll show you how it’s done.
Understand how to show clients 40% higher returns (vs an annuity)
Learn the way to $54K extra commissions a year closing one client every other … [Read more...]

Find your niche: whatever practice type you choose in financial services, you should enjoy it. People often conclude that they will enjoy what they do once they become successful. In my experience you are more likely to become successful when you enjoy what you do. The best part is, if you love what you do, it doesn’t feel like work.
If you don't love it, change it: Too often people search for a practice type that they think will make them the most financially successful. They do this without … [Read more...]

With interest rates on CDs and annuities at record lows, with no end in sight, wouldn’t it be great to offer clients an alternative with much higher returns.
What if that alternative could nearly double their returns with no risk and put an extra $50K in your pocket annually?
During this 30-minute webcast, we’ll show you how it’s done.
Understand how to show clients 40% higher returns (vs an annuity)
Learn the way to $50k extra commissions a year closing one client every other … [Read more...]